United Community Banks, Inc
(NASDAQ:UCBI)

United Community Banks, Inc. operates as a bank holding company for the United Community Bank, a state-chartered bank that provides various banking products and services. The company accepts checking, savings, money market, negotiable order of withdrawal, time, and other deposit accounts, as well as...

Website: http://www.ucbi.com

Full Time Employees: 2,414

Sector: Financial Services

Industry: Banks-Regional

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At a glance:

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Quarterly

Annual

Unit: USD	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-03-31	2019-09-30	2019-03-31	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2012-12-31	2011-06-30	2005-03-31	2004-06-30	2004-03-31	2003-09-30	2002-12-31	2002-09-30	2002-06-30

net interest revenue:
interest revenue:
loans, including fees	293,008,000	297,929,000	288,284,000	274,056,000	280,325,000	291,574,000	291,595,000	283,983,000	281,909,000	273,781,000	250,484,000	236,431,000	197,330,000	174,065,000	155,266,000	146,741,000	123,473,000	128,477,000	128,058,000	125,726,000	118,063,000	122,645,000	115,259,000	96,469,000	87,234,000	80,264,000	74,825,000	72,727,000	71,494,000	69,440,000	63,472,000	63,976,000	63,442,000	57,174,000	52,976,000		60,958,000	63,467,000	49,326,000	47,422,000
investment securities, including tax exempt of 1,681, 1,713, 5,030 and 5,133, respectively	41,978,750	53,203,000
deposits in banks and short-term investments	4,774,000	2,718,000	3,219,000	2,451,000	7,510,000	4,515,000	5,307,000	6,309,000	12,764,000	4,637,000	4,231,000	3,070,000	2,720,000	2,869,000	1,687,000	653,000	853,000	658,000	209,000	368,000	1,090,000	226,000	439,000	526,000	500,000	700,000	563,000	519,000	296,000	581,000	777,000	957,000	968,000	853,000	795,000
total interest revenue	346,367,000	353,850,000	347,365,000	335,357,000	344,962,000	349,086,000	346,965,000	336,728,000	338,698,000	323,147,000	295,775,000	279,487,000	240,831,000	213,887,000	187,378,000	171,059,000	143,768,000	147,675,000	145,809,000	141,542,000	136,547,000	140,615,000	136,516,000	115,290,000	106,757,000	98,839,000	93,166,000	90,958,000	87,778,000	85,439,000	81,082,000	80,721,000	79,362,000	70,828,000	65,808,000		76,502,000	73,265,000	56,276,000	54,168,000	53,195,000	36,389,250	48,491,000	48,727,000
interest expense:
deposits	107,207,000	118,475,000	119,136,000	118,934,000	131,124,000	136,149,000	134,462,000	133,784,000	131,763,000	116,733,000	89,217,000	57,861,000	24,786,000	9,880,000	4,302,000	3,131,000	2,864,000	3,142,000	3,620,000	5,219,000	15,075,000	17,113,000
short-term borrowings	18,000	25,000	83,000	1,107,000	44,000	27,000	60,000		9,000	189,000	1,849,000	1,148,000	480,000	27,000			500				1,000	429,000	161,000	300,000	175,000	36,000	101,000	40,000	121,000	98,000	93,000	87,000	85,000	99,000	82,000
federal home loan bank advances				433,000							649,000	5,112,000								2,000	1,000	521,000	1,422,000	2,124,000	1,492,000	1,709,000	1,464,000	1,430,000	945,000	1,015,000	983,000	733,000	436,000	461,000	454,000		570,000
long-term debt	1,216,000	1,721,000	2,615,000	2,862,000	3,461,000	3,724,000	3,743,000	3,795,000	3,473,000	3,669,000	3,774,000	3,896,000	4,253,000	4,206,000	4,173,000	4,136,000	3,348,000	3,494,000	3,813,000	4,257,000	2,864,000	3,214,000	3,342,000	3,288,000	1,736,000	2,762,000	2,852,000	2,876,000	2,827,000	2,828,000	2,665,000	2,685,000	2,696,000	2,669,000	2,206,000		2,747,000
total interest expense	108,441,000	120,221,000	121,834,000	123,336,000	134,629,000	139,900,000	138,265,000	137,579,000	135,245,000	120,591,000	95,489,000	68,017,000	30,943,000	14,113,000	8,475,000	7,267,000	6,213,000	6,636,000	7,433,000	9,478,000	17,941,000	21,277,000	20,882,000	12,005,000	9,249,000	9,064,000	8,018,000	7,404,000	6,853,000	6,450,000	6,164,000	5,769,000	5,598,000	5,402,000	4,817,000		17,985,000	25,367,000	17,432,000	16,772,000	17,446,000	14,348,250	18,942,000	18,761,000
net interest revenue	237,926,000	233,629,000	225,531,000	212,021,000	210,333,000	209,186,000	208,700,000	199,149,000	203,453,000	202,556,000	200,286,000	211,470,000	209,888,000	199,774,000	178,903,000	163,792,000	137,555,000	141,039,000	138,376,000	132,064,000	118,606,000	119,338,000	115,634,000	103,285,000	97,508,000	89,775,000	85,148,000	83,554,000	80,925,000	78,989,000	74,918,000	74,952,000	73,764,000	65,426,000	60,991,000		58,517,000	47,898,000	38,844,000	37,396,000	35,749,000	22,041,000	29,549,000	29,966,000
noninterest income:
service charges and fees	10,674,000	11,400,000	10,122,000	9,535,000	10,622,000	10,488,000	10,620,000	9,264,000	9,621,000	10,315,000	9,777,000	8,699,000	9,519,000	9,569,000	10,005,000	9,070,000	8,613,000	9,350,000	8,335,000	7,570,000	8,638,000	9,916,000	8,453,000	8,925,000	8,770,000	8,220,000	10,701,000	10,604,000	10,653,000	10,819,000	10,515,000	10,126,000	11,500,000	9,335,000	8,375,000		7,608,000	5,614,000	5,312,000	5,023,000	5,009,000	3,664,000	3,576,000	3,481,000
mortgage loan gains and other related fees	4,647,500	7,098,000	5,370,000	6,122,000	4,457,500	3,520,000	6,799,000	7,511,000	4,316,000	6,159,000	6,584,000	4,521,000	7,355,000	6,297,000	6,971,000	16,152,000	11,884,000	13,828,000	11,136,000	22,572,000	8,310,000
wealth management fees	5,248,000	4,757,000	4,400,000	4,465,000	4,658,000	6,338,000	6,386,000	6,313,000	5,965,000	6,451,000	5,600,000	5,724,000	5,835,000	5,879,000	5,985,000	5,895,000	6,117,000	5,554,000	3,822,000	3,505,000
net gains from sales of other loans	1,444,000	2,385,000	1,995,000	1,396,000	-5,716,750	-25,700,000
lending and loan servicing fees	3,022,500	4,235,000	3,690,000	4,165,000	2,762,500	3,512,000	3,328,000	4,210,000	2,494,750	2,985,000	2,978,000	4,016,000	1,879,500	2,946,000	1,586,000	2,986,000
securities gains	11,000	49,000	286,000	6,000									-184,000		46,000		42,000		41,000						-148,000	188,000	4,000	-2,000	60,000	261,000	282,000	379,000	378,000	325,000	13,000		783,000				-122,000	573,000	64,000
other	11,577,000	13,295,000	8,845,000	9,967,000	13,892,000	9,933,000	8,127,000	10,752,000	4,826,000	3,379,000	9,143,000	6,977,000	11,089,000	5,003,000	5,065,000	5,406,000	-1,693,000	9,010,000	8,384,000	10,028,000	5,552,000	7,119,000	6,394,000	6,402,000	4,251,000	4,150,000	4,397,000	3,679,000	4,065,000	5,564,000	4,334,000	2,522,000	3,063,000	2,207,000	2,445,000		4,662,000	1,179,000	833,000	1,144,000	860,000	233,000	560,000	719,000
total noninterest income	40,462,000	43,219,000	34,708,000	35,656,000	40,522,000	8,091,000	36,556,000	39,587,000	-23,090,000	31,977,000	36,387,000	30,209,000	33,354,000	31,922,000	33,458,000	38,973,000	37,177,000	40,095,000	35,841,000	44,705,000	25,814,000	29,031,000	20,968,000
total revenue	278,388,000	276,848,000	260,239,000	247,677,000	239,466,000	202,849,000	233,021,000	225,837,000	165,737,000	204,265,000	213,920,000	219,896,000	223,411,000	216,304,000	206,757,000	179,679,000	175,379,000	192,168,000	187,805,000	189,050,000	122,229,000	145,269,000	133,302,000	121,881,000	118,236,000	109,348,000	108,033,000	104,828,000	106,158,000	105,650,000	98,715,000	93,758,000	94,748,000	83,023,000	77,357,000		61,422,000	55,698,000	46,691,000	44,874,000	44,650,000	26,253,500	35,476,000	35,468,000
yoy	16.25%	36.48%	11.68%	9.67%	44.49%	-0.69%	8.93%	2.70%	-25.82%	-5.57%	3.46%	22.38%	27.39%	12.56%	10.09%	-4.96%	43.48%	32.28%	40.89%	55.11%	3.38%	32.85%	23.39%	16.27%	11.38%	3.50%	9.44%	11.81%	12.04%	27.25%	27.61%		54.26%	49.06%	65.68%		37.56%	112.15%	31.61%	26.52%
qoq	0.56%	6.38%	5.07%	3.43%	18.05%	-12.95%	3.18%	36.26%	-18.86%	-4.51%	-2.72%	-1.57%	3.29%	4.62%	15.07%	2.45%	-8.74%	2.32%	-0.66%	54.67%	-15.86%	8.98%	9.37%	3.08%	8.13%	1.22%	3.06%	-1.25%	0.48%	7.03%	5.29%	-1.04%	14.12%	7.32%			10.28%	19.29%	4.05%	0.50%	70.07%	-26.00%	0.02%
provision for credit losses	13,662,000	7,907,000	11,818,000	15,419,000	11,389,000	14,428,000	12,235,000	12,899,000	14,626,000	30,268,000	22,753,000	21,783,000									22,191,000	3,100,000	3,300,000	3,800,000					-200,000	-300,000			300,000	700,000	900,000
noninterest expense:
salaries and employee benefits	92,520,000	90,667,000	86,997,000	84,267,000	85,707,000	83,533,000	85,818,000	84,985,000	82,343,000	81,173,000	76,250,000	78,698,000	68,143,000	67,823,000	69,233,000	71,006,000	60,986,000	60,458,000	59,414,000	60,585,000	51,358,000	50,501,000	47,503,000	42,875,000	41,042,000	38,027,000	37,338,000	36,691,000	35,677,000	36,478,000	33,572,000	33,062,000	32,939,000	29,342,000	27,961,000		26,436,000	22,235,000	18,662,000	18,126,000	17,990,000	14,949,000	14,352,000	14,658,000
communications and equipment	14,276,000	13,937,000	13,332,000	13,699,000	12,715,000	12,626,000	11,988,000	11,920,000	11,610,000	10,902,000	10,744,000	10,008,000	10,516,000	8,795,000	9,675,000	9,248,000	7,850,000	7,368,000	7,408,000	7,203,000	5,946,000	6,223,000	5,788,000	4,632,000	5,217,000	4,547,000	4,978,000	4,918,000	4,753,000	4,919,000	4,393,000	4,290,000	4,735,000	3,963,000	3,304,000		3,378,000	2,982,000	2,677,000	2,547,000	2,310,000	1,847,000	1,685,000	1,514,000
occupancy	11,602,000	11,502,000	10,935,000	10,929,000	10,840,000	11,311,000	11,056,000	11,099,000	11,616,000	10,941,000	10,194,000	9,889,000	8,866,000	9,138,000	8,865,000	9,378,000	7,489,000	7,096,000	7,078,000	6,956,000	5,714,000	5,921,000	5,584,000	5,613,000	5,542,000	4,945,000	4,908,000	4,949,000	5,210,000	5,132,000	4,538,000	4,723,000	4,666,000	4,013,000	3,415,000		3,805,000	2,668,000	2,273,000	2,282,000	2,344,000	2,038,000	2,047,000	2,061,000
advertising and public relations	2,790,000	2,053,000	2,881,000	1,881,000	2,145,000	2,041,000	2,459,000	1,901,000	2,559,000	2,251,000	2,314,000	2,349,000	2,052,000	2,544,000	2,300,000	1,488,000	1,760,000	1,458,000	1,493,000	1,199,000	1,274,000	1,374,000	1,286,000	1,515,000	895,000	1,026,000	1,260,000	1,061,000	1,151,000	1,088,000	1,323,000	864,000	978,000	812,000	1,127,000		1,317,000	1,363,000	991,000	764,000	766,000	636,000	639,000	989,000
postage, printing and supplies	2,859,000	2,735,000	2,495,000	2,561,000	2,491,000	2,477,000	2,251,000	2,648,000	2,162,000	2,386,000	2,382,000	2,537,000	2,441,000	2,190,000	1,999,000	2,119,000	1,939,000	1,731,000	1,618,000	1,822,000	1,670,000	1,618,000	1,586,000	1,637,000	1,825,000	1,411,000	1,346,000	1,370,000	1,353,000	1,451,000	1,298,000	1,280,000	1,293,000	1,049,000	993,000		1,085,000	1,351,000	1,068,000	1,142,000	1,237,000	709,000	870,000	965,000
professional fees	6,773,000	6,282,000	5,609,000	5,931,000	6,268,000	6,432,000	6,044,000	5,988,000	7,062,000	7,006,000	6,592,000	6,072,000	5,496,000	4,821,000	5,402,000	4,447,000	6,080,000	5,347,000	4,928,000	4,234,000	4,097,000	4,715,000	3,161,000	4,044,000	3,683,000	2,976,000	2,371,000	3,044,000	2,773,000	3,160,000	3,189,000	2,700,000	3,331,000	2,668,000	2,257,000		2,350,000	1,038,000	795,000	837,000	1,036,000	747,000	881,000	922,000
lending and loan servicing expense	2,014,000	2,428,000	2,330,000	1,987,000	2,311,000	2,227,000	2,014,000	1,827,000	2,176,000	2,697,000	2,530,000	2,319,000	1,604,000	2,333,000	3,047,000	2,366,000	2,351,000	2,450,000	3,181,000	2,877,000	2,293,000
outside services - electronic banking	3,565,000	3,543,000	3,570,000	2,763,000	3,540,000	4,433,000	2,812,000	2,918,000	2,931,000	2,561,000	2,660,000	3,425,000	3,954,000	3,159,000	2,947,000	2,523,000	2,670,000	2,308,000	2,285,000	2,218,000	1,832,000
fdic assessments and other regulatory charges	4,754,000	4,846,000	4,745,000	4,642,000	3,942,000	5,003,000	4,467,000	7,566,000	14,992,000	4,314,000	4,142,000	4,001,000	3,098,000	2,356,000	2,267,000	2,173,000	1,878,000	1,723,000	1,901,000	1,896,000	1,484,000	314,000	1,710,000	2,476,000	1,776,000	2,127,000	1,348,000	1,283,000	1,413,000	1,412,000	1,517,000	1,524,000	1,463,000	1,136,000	1,298,000		3,644,000
amortization of intangibles	3,188,000	3,313,000	3,292,000	3,286,000	3,387,000	3,528,000	3,794,000	3,887,000	4,055,000	4,171,000	3,421,000	3,528,000	1,619,000	1,678,000	1,736,000	1,793,000	1,103,000	1,028,000	929,000	985,000	1,040,000	1,210,000	1,293,000	1,898,000	1,760,000	1,212,000	900,000	973,000	1,066,000	1,119,000	987,000	1,010,000					760,000	503,000	395,000	371,000	370,000	85,000	85,000	85,000
merger-related and other charges	606,000	3,468,000	4,833,000	1,297,000	2,203,000	2,176,000	2,157,000	2,087,000	5,766,000	9,168,000	3,645,000	8,631,000	1,470,000	1,746,000	7,143,000	9,016,000	9,912,000	1,437,000	1,078,000	1,543,000	808,000	2,541,000	546,000	2,054,000	6,841,000	3,176,000	1,830,000	2,054,000	1,141,000	3,152,000	1,176,000	2,653,000
total noninterest expense	152,048,000	150,868,000	147,919,000
income before income taxes	112,678,000	118,073,000	100,502,000	91,159,000	96,410,000	59,784,000	85,977,000	80,835,000	11,150,000	59,791,000	81,513,000	80,091,000	106,082,000	103,549,000	85,967,000	60,404,000	66,223,000	95,419,000	92,265,000																			20,919,000	16,864,000	16,698,000	15,938,000	9,223,750	12,925,000	12,273,000
income tax expense	26,223,000	26,579,000	21,769,000	19,746,000	20,606,000	12,437,000	19,362,000	18,204,000	-2,940,000	11,925,000	18,225,000	17,791,000	24,632,000	22,388,000	19,125,000	12,385,000	14,204,000	21,603,000	22,005,000	20,150,000	8,807,000	13,983,000	12,956,000	10,748,000	54,270,000	15,728,000	16,537,000	18,478,000	17,616,000	15,753,000	15,389,000	13,578,000	11,052,000	10,867,000	11,124,000		5,077,000
net income	86,455,000	91,494,000	78,733,000	71,413,000	75,804,000	47,347,000	66,615,000	62,631,000	14,090,000	47,866,000	63,288,000	62,300,000	81,450,000	81,161,000	66,842,000	48,019,000	52,019,000	73,816,000	70,260,000	73,706,000	31,884,000	48,362,000	44,262,000	37,658,000	-11,916,000	27,946,000	28,267,000	23,524,000	27,221,000	25,874,000	25,266,000	22,295,000	18,208,000	17,887,000	17,813,000		7,617,000	13,441,000	11,049,000	10,938,000	10,364,000	6,055,000	8,401,000	8,099,000
yoy	14.05%	93.24%	18.19%	14.02%	438.00%	-1.08%	5.26%	0.53%	-82.70%	-41.02%	-5.32%	29.74%	56.58%	9.95%	-4.86%	-34.85%	63.15%	52.63%	58.74%	95.72%	-367.57%	73.06%	56.59%	60.08%	-143.78%	8.01%	11.88%	5.51%	49.50%	44.65%	41.84%		139.04%	33.08%	61.22%		-26.51%	121.98%	31.52%	35.05%
qoq	-5.51%	16.21%	10.25%	-5.79%	60.10%	-28.92%	6.36%	344.51%	-70.56%	-24.37%	1.59%	-23.51%	0.36%	21.42%	39.20%	-7.69%	-29.53%	5.06%	-4.68%	131.17%	-34.07%	9.26%	17.54%	-416.03%	-142.64%	-1.14%	20.16%	-13.58%	5.21%	2.41%	13.33%	22.45%	1.79%	0.42%			-43.33%	21.65%	1.01%	5.54%	71.16%	-27.93%	3.73%
net income margin %	31.06%	33.05%	30.25%	28.83%	31.66%	23.34%	28.59%	27.73%	8.50%	23.43%	29.58%	28.33%	36.46%	37.52%	32.33%	26.72%	29.66%	38.41%	37.41%	38.99%	26.09%	33.29%	33.20%	30.90%	-10.08%	25.56%	26.17%	22.44%	25.64%	24.49%	25.59%	23.78%	19.22%	21.54%	23.03%	NaN%	12.40%	24.13%	23.66%	24.37%	23.21%	23.06%	23.68%	22.83%
net income available to common shareholders	85,893,000	86,139,000	76,722,000	69,429,000	73,740,000	45,502,000	64,674,000	60,713,000	12,602,000	46,775,000	61,227,000	60,242,000	79,277,000	79,035,000	64,761,000	46,062,000	49,986,000	71,649,000	68,109,000	71,525,000	31,641,000	48,011,000	43,947,000	37,381,000	-11,828,000	27,719,000	28,267,000	23,524,000	27,221,000	25,874,000	25,266,000	22,274,000	18,183,000	17,862,000	17,796,000		4,601,000							8,073,000
net income per common share:
basic	480	710	630	580	357.5	380	540	510	360	390	530	520	445	740	610	430	605	820	780	820	400	600
diluted	477.5	700	630	580	357.5	380	540	510	360	390	530	520	445	740	610	430	605	820	780	820	400	600
weighted-average common shares outstanding:
basic	121,309,000	122,116,000	121,377,000	120,043,000	119,783,000	119,818,000	119,726,000	119,662,000	117,603,000	119,506,000	115,774,000	115,451,000	106,661,000	106,687,000	106,610,000	106,550,000	87,940,000	87,211,000	87,289,000	87,322,000	79,340,000	79,663,000	79,807,000	79,205,000	73,247,000	73,151,000	71,810,000	71,700,000	71,910,000	71,556,000	72,202,000	72,162,000	65,488,000	66,294,000	62,549,000			38,198,000	35,633,000	35,319,000
diluted	121,437,000	122,252,000	121,432,000	120,201,000	119,900,000	119,952,000	119,785,000	119,743,000	117,745,000	119,624,000	115,869,000	115,715,000	106,778,000	106,800,000	106,716,000	106,677,000	88,097,000	87,355,000	87,421,000	87,466,000	79,446,000	79,667,000	79,813,000	79,215,000	73,259,000	73,162,000	71,820,000	71,708,000	71,915,000	71,561,000	72,207,000	72,166,000	65,492,000	66,300,000	62,553,000			39,388,000	36,827,000	36,482,000
investment securities, including tax exempt of 1,671, 1,699, 3,349 and 3,420, respectively			55,862,000
investment securities, including tax exempt of 1,678 and 1,721, respectively				58,850,000
noninterest expenses:
total noninterest expenses				141,099,000	143,056,000	143,065,000	147,044,000	145,002,000	154,587,000	144,474,000	132,407,000	139,805,000	117,329,000	112,755,000	120,790,000	119,275,000	109,156,000	96,749,000	95,540,000	95,194,000	81,538,000	82,924,000	76,084,000
investment securities, including tax exempt of 1,713, 1,722, 5,133 and 5,563, respectively					37,374,000	52,997,000
net interest revenue after provision for credit losses					198,944,000	194,758,000	196,465,000	186,250,000	188,827,000	172,288,000	177,533,000	189,687,000	190,057,000	184,382,000	173,299,000	140,706,000	138,202,000	152,073,000	151,964,000	144,345,000	96,415,000	116,238,000	112,334,000	99,485,000	96,308,000	88,775,000	84,348,000	82,754,000	80,925,000	79,289,000	75,218,000	75,152,000	73,464,000	64,726,000	60,091,000
securities losses									-411,000			-1,644,000				-3,734,000							-267,000	-940,000																-4,000
investment securities, including tax exempt of 1,699, 1,731, 3,420 and 3,841, respectively							50,063,000
gains from sales of other loans							1,296,000	1,537,000	1,727,250	2,688,000	2,305,000	1,916,000	2,306,500	2,228,000	3,800,000	3,198,000	1,876,500	2,353,000	4,123,000	1,030,000	1,674,000
investment securities, including tax exempt of 1,721 and 2,110, respectively								46,436,000
investment securities, including tax exempt of 1,722, 2,568, 5,563 and 7,762, respectively									31,443,750	44,729,000
investment securities, including tax exempt of 1,731, 2,539, 3,841 and 5,194, respectively											41,060,000
investment securities, including tax exempt of 2,110 and 2,655, respectively												39,986,000
investment securities, including tax exempt of 2,568, 2,280, 7,762 and 6,685, respectively													22,760,750	36,953,000
provision for (release of) credit losses													11,020,500	15,392,000	5,604,000	23,086,000												800,000
investment securities, including tax exempt of 2,539, 2,255, 5,194 and 4,405, respectively															30,425,000
investment securities, including tax exempt of 2,655 and 2,150, respectively																23,665,000
investment securities, including tax exempt of 2,280 and 1,895 and 6,685 and 4,988, respectively																	12,882,500	18,540,000
(release of) provision for credit losses																	-647,000	-11,034,000	-13,588,000	-12,281,000					1,200,000	1,000,000	800,000				-300,000	-200,000
investment securities, including tax exempt of 2,255 and 1,570 and 4,405 and 3,093, respectively																			17,542,000
investment securities, including tax exempt of 2,150 and 1,523, respectively																				15,448,000
net income before income taxes																				93,856,000	40,691,000	62,345,000	57,218,000	48,406,000	32,620,000	43,674,000	44,804,000	42,002,000	29,538,750	41,627,000	40,655,000	35,873,000	21,438,500	28,754,000	28,937,000
investment securities, including tax exempt of 1,523 and 1,169																					17,394,000
brokerage fees																					1,640,000	1,699,000	1,337,000	872,000	1,068,000	1,009,000	1,146,000	1,410,000	911,000	1,199,000	1,117,000	1,053,000	1,058,000	1,200,000	1,232,000		691,000	442,000	515,000	708,000	447,000	419,000	467,000
investment securities, including tax exempt of 1,118 and 1,052, and 3,409 and 3,049																						17,744,000
mortgage loan and other related fees																						8,658,000	3,748,000	5,359,000	4,885,000	4,200,000	4,811,000	4,424,000	6,516,000	6,039,000	4,448,000	3,289,000	3,290,000	3,840,000	3,707,000		952,000	1,483,000	1,585,000	1,280,000
gains from sales of sba/usda loans																						1,639,000	1,303,000	1,778,000	3,102,000	2,806,000	2,626,000
investment securities, including tax exempt of 1,169 and 972																							20,818,000
deposits:
now and interest-bearing demand																							3,536,000
money market																							4,205,000	2,175,000	2,095,000	1,953,000	1,559,000	1,426,000	1,321,000	1,347,000	1,206,000	1,108,000	1,006,000	981,000	806,000		1,499,000
savings																							32,000	49,000	46,000	34,000	28,000	27,000	33,000	43,000	30,000	29,000	27,000	25,000	26,000		64,000	168,000	93,000	83,000	82,000	99,500	134,000	132,000
time																							8,184,000	2,956,000	2,272,000	1,870,000	1,379,000	1,008,000	1,084,000	667,000	743,000	642,000	922,000	830,000	895,000		10,995,000	13,008,000	9,773,000	9,297,000	9,784,000	8,588,750	11,303,000	10,961,000
total deposit interest expense																							15,957,000	6,293,000	5,846,000	4,557,000	3,601,000	3,058,000	2,960,000	2,509,000	2,423,000	2,264,000	2,381,000	2,173,000	2,075,000		13,594,000
earnings per common share:
basic																							550	470	275	380	390	330	255	360	350	310	210	270	280			350	310	310	440	282.5	390	380
diluted																							550	470	275	380	390	330	255	360	350	310	210	270	280			340	300	300	430	272.5	380	360
investment securities, including tax exempt of 972 and 279																								18,295,000
now																								1,113,000	1,433,000	700,000	635,000	597,000	522,000	452,000	444,000	485,000	426,000	337,000	348,000		1,036,000
fee revenue:
total fee revenue																								22,396,000	21,928,000	20,573,000	23,685,000	22,074,000	25,233,000	26,361,000	23,497,000	18,606,000	21,284,000	18,297,000	17,266,000		13,905,000	10,200,000	9,647,000	9,278,000	10,401,000	5,487,500	7,727,000	7,302,000
operating expenses:
total operating expenses																								73,475,000	75,882,000	65,674,000	63,229,000	62,826,000	61,321,000	64,023,000	58,060,000	57,885,000	65,488,000	54,269,000	48,420,000		48,728,000	34,779,000	29,827,000	28,176,000	28,712,000	17,029,750	22,551,000	23,195,000
investment securities, including tax exempt of 671, 134, 1,307, and 449																									13,341,250	17,875,000
investment securities, including tax exempt of 357, 149, 636, and 315																											17,778,000
preferred stock dividends and discount accretion																													5,250				10,500	25,000	17,000		3,016,000
investment securities, including tax exempt of 279 and 166																												17,712,000
gains from sales of government guaranteed loans																												1,959,000	3,028,000	2,479,000	2,801,000	1,237,000			1,494,000
preferred stock dividends																																21,000
investment securities, including tax exempt of 134, 177, 449 and 516																													12,009,750	15,418,000
loss from prepayment of debt																																	-323,500	-256,000			-791,000
investment securities, including tax exempt of 149, 181, 315 and 339																															16,833,000
investment securities, including tax exempt of 166 and 158																																15,788,000
investment securities, including tax exempt of 177, 177, 516 and 558																																	9,224,000	12,801,000
gains from sales of sba loans																																	1,070,250	1,646,000
merger-related charges																																	2,229,250	5,744,000	3,173,000				464,000
investment securities, including tax exempt of 181, 193, 339 and 381																																			12,037,000
investment securities, including tax exempt of 251, 295, 510 and 606																																					14,792,000
federal funds sold, commercial paper and deposits in banks																																					752,000
federal funds purchased, repurchase agreements and other short-term borrowings																																					1,074,000
provision for loan losses																																					11,000,000	2,400,000	1,800,000	1,800,000	1,500,000	1,800,000	1,800,000	1,800,000
net interest revenue after provision for loan losses																																					47,517,000	45,498,000	37,044,000	35,596,000	34,249,000	20,766,000	27,749,000	28,166,000
foreclosed property																																					1,891,000
loss on sale of nonperforming assets
income from continuing operations before income taxes																																					12,694,000
net income from continuing operations																																					7,617,000
loss from discontinued operations, net of income taxes
gain from sale of subsidiary, net of income taxes and selling costs
earnings from continuing operations per common share — basic																																					180
earnings from continuing operations per common share — diluted																																					80
earnings per common share — basic																																					180
earnings per common share — diluted																																					80
weighted-average common shares outstanding — basic																																					25,427,000
weighted-average common shares outstanding — diluted																																					57,543,000
federal funds sold and deposits in banks																																						259,000	66,000	111,000
investment securities:
taxable																																						9,014,000	6,339,000	6,069,000	5,738,000	4,132,000	5,087,000	5,495,000
tax exempt																																						525,000	545,000	566,000
demand																																						3,527,000	1,920,000	1,794,000	1,728,000	2,117,250	3,073,000	2,980,000
federal funds purchased																																						871,000	499,000
other borrowings																																						7,793,000	5,147,000	5,598,000	5,852,000	4,957,000	4,432,000	4,688,000
consulting fees																																						1,482,000	1,402,000	1,127,000	1,092,000	1,231,000	1,216,000	1,174,000
income taxes																																						7,478,000	5,815,000	5,760,000	5,574,000	4,451,000	4,524,000	4,174,000
net income available to common stockholders																																						13,434,000	11,048,000	10,922,000	10,352,000	6,035,500	8,375,000
weighted-average common shares outstanding
basic	121,309,000	122,116,000	121,377,000	120,043,000	119,783,000	119,818,000	119,726,000	119,662,000	117,603,000	119,506,000	115,774,000	115,451,000	106,661,000	106,687,000	106,610,000	106,550,000	87,940,000	87,211,000	87,289,000	87,322,000	79,340,000	79,663,000	79,807,000	79,205,000	73,247,000	73,151,000	71,810,000	71,700,000	71,910,000	71,556,000	72,202,000	72,162,000	65,488,000	66,294,000	62,549,000			38,198,000	35,633,000	35,319,000
diluted	121,437,000	122,252,000	121,432,000	120,201,000	119,900,000	119,952,000	119,785,000	119,743,000	117,745,000	119,624,000	115,869,000	115,715,000	106,778,000	106,800,000	106,716,000	106,677,000	88,097,000	87,355,000	87,421,000	87,466,000	79,446,000	79,667,000	79,813,000	79,215,000	73,259,000	73,162,000	71,820,000	71,708,000	71,915,000	71,561,000	72,207,000	72,166,000	65,492,000	66,300,000	62,553,000			39,388,000	36,827,000	36,482,000
interest and fees on loans																																									46,623,000	31,541,750	42,533,000	42,235,000
interest on federal funds sold and deposits in banks																																									140,000	106,750	76,000	183,000
interest on investment securities:
tax-exempt																																									694,000	608,750	795,000	814,000
interest on deposits:
mortgage loan and related fees																																									3,115,000	1,271,750	1,844,000	1,436,000
average common shares outstanding:
basic																																									23,408,000	5,350,500	21,392,000	21,407,000
diluted																																									24,123,000	5,556,750	22,233,000	22,383,000
trust and brokerage fees																																												492,000

Balance Sheets:

Quarterly

Annual

Unit: USD	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2019-09-30	2019-03-31	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-09-30	2016-06-30	2015-09-30	2012-12-31	2011-06-30	2005-03-31	2004-06-30	2004-03-31	2002-12-31	2002-09-30	2002-06-30	2002-03-31

assets
cash and due from banks	202,586,000	205,007,000	201,509,000	198,287,000	296,161,000	202,644,000	198,234,000	203,932,000	200,781,000	192,726,000	267,075,000	275,962,000	195,771,000	222,524,000	238,310,000	175,175,000	144,244,000	131,785,000	121,589,000	126,164,000	108,389,000	118,659,000	136,201,000	129,108,000	98,396,000	103,616,000	90,151,000	94,744,000	107,606,000	93,975,000	66,536,000	163,331,000	98,502,000	147,793,000	81,723,000	75,027,000	81,480,000	86,103,000	84,845,000
interest-bearing deposits in banks	193,168,000	408,424,000	359,492,000	438,425,000	223,712,000	537,395,000	364,629,000	758,001,000	803,094,000	566,779,000	443,661,000	501,719,000	316,082,000	216,496,000	977,397,000	1,729,607,000	2,147,266,000	1,686,008,000	1,297,808,000	1,207,949,000	252,670,000	206,836,000	216,052,000	185,167,000	148,449,000	129,570,000	140,822,000	131,415,000	100,036,000	112,964,000	124,613,000	41,863,000	21,677,000	39,186,000	39,587,000	31,318,000	36,168,000	64,442,000	11,169,000
cash and cash equivalents	395,754,000	613,431,000	574,956,000	636,712,000	519,873,000	740,039,000	562,863,000	961,933,000	1,003,875,000	759,505,000	710,736,000	777,681,000	646,853,000	484,020,000	1,215,707,000	1,906,664,000	2,318,510,000	1,817,793,000	1,419,397,000	1,334,113,000	361,059,000	325,495,000	352,253,000	314,275,000	246,845,000	233,186,000	230,973,000	226,159,000	207,642,000	206,939,000	251,149,000	380,190,000	120,179,000	186,979,000	121,310,000		145,992,000	178,180,000	133,720,000
debt securities available-for-sale	3,750,863,000	3,889,263,000	4,075,323,000	4,322,644,000	4,436,291,000	4,023,455,000	3,604,769,000	3,393,399,000	3,331,084,000	3,182,112,000	3,359,989,000	3,331,139,000	3,614,333,000	3,862,886,000	3,960,285,000	3,909,114,000	4,496,824,000	4,251,436,000	4,075,781,000	3,744,280,000
debt securities held-to-maturity	2,237,356,000	2,274,099,000	2,306,730,000	2,338,571,000	2,368,107,000	2,401,877,000	2,432,941,000	2,465,133,000	2,490,848,000	2,518,773,000	2,553,835,000	2,584,081,000	2,613,648,000	2,676,405,000	2,722,475,000	2,500,983,000	1,156,098,000	1,083,324,000	852,404,000	587,696,000
loans held for sale	39,381,000	34,802,000	37,143,000	37,344,000	57,534,000	49,800,000	49,315,000	38,140,000	33,008,000	37,110,000	27,104,000	20,390,000		21,967,000	40,678,000	75,191,000							26,493,000	32,734,000
loans and leases held for investment	19,384,317,000	19,174,794,000	18,920,875,000	18,425,365,000	18,175,980,000	17,964,099,000	18,211,193,000	18,374,844,000	18,318,755,000	18,202,807,000	17,394,845,000	17,124,703,000	15,334,627,000	14,882,484,000	14,541,230,000	14,316,205,000	11,760,346,000	11,191,037,000	11,390,746,000	11,678,544,000
less allowance for credit losses - loans and leases	-210,429,000	-215,791,000	-216,500,000	-211,974,000	-206,998,000				-208,071,000	-201,557,000	-190,705,000	-176,534,000	-159,357,000	-148,502,000	-136,925,000	-132,805,000	-102,532,000	-99,620,000	-111,616,000	-126,866,000
loans and leases	19,173,888,000	18,959,003,000	18,704,375,000	18,213,391,000	17,968,982,000	17,758,809,000	17,998,171,000	18,163,910,000	18,110,684,000	18,001,250,000	17,204,140,000	16,948,169,000	15,175,270,000	14,733,982,000	14,404,305,000	14,183,400,000	11,657,814,000	11,091,417,000	11,279,130,000	11,551,678,000	8,840,752,000	8,431,612,000	8,123,164,000
premises and equipment	393,714,000	394,536,000	396,479,000	391,020,000	394,264,000	396,696,000	395,202,000	386,052,000	378,421,000	371,435,000	353,317,000	336,617,000	298,456,000	288,597,000	286,248,000	283,561,000	245,296,000	225,350,000	224,980,000	216,752,000	215,435,000	214,022,000	208,243,000	208,852,000	193,915,000	189,614,000	189,437,000	189,302,000	181,349,000	192,992,000	168,920,000	178,208,000	105,188,000	92,497,000	89,625,000	70,748,000	69,585,000	68,454,000	66,516,000
bank owned life insurance	364,184,000	362,608,000	362,201,000	346,410,000	346,234,000	345,703,000	344,162,000	342,486,000	345,371,000	344,647,000	342,966,000	341,285,000	299,297,000	300,365,000	299,104,000	297,220,000	217,713,000	204,282,000	203,449,000	202,817,000	201,955,000	193,489,000	189,759,000	188,970,000	167,680,000	155,026,000	154,150,000	123,129,000	105,784,000	105,368,000	81,867,000
accrued interest receivable	83,557,000				85,616,000				87,782,000				72,807,000				42,999,000	41,561,000	43,521,000	46,278,000	33,233,000	35,126,000	31,349,000	32,459,000	29,573,000	26,938,000	27,020,000	26,494,000	25,879,000	24,563,000	18,659,000	21,291,000	30,519,000				18,335,000	22,317,000	20,876,000
net deferred tax asset	75,861,000				96,982,000				113,214,000				129,313,000				41,322,000	37,617,000	32,918,000	39,338,000	34,591,000	51,055,000	86,520,000	88,049,000	128,731,000	119,594,000	139,383,000	156,408,000	157,689,000	197,116,000		261,268,000
derivative financial instruments	35,313,000				46,883,000				50,352,000				50,636,000				42,480,000	53,296,000	58,489,000	63,897,000	43,755,000	25,924,000	27,202,000	22,721,000	20,972,000	21,640,000	22,131,000	25,463,000	26,880,000	19,906,000
goodwill and other intangible assets	967,882,000	971,071,000	974,385,000	953,357,000	956,643,000	975,117,000	978,645,000	987,539,000	990,087,000	994,142,000	957,823,000	961,244,000	779,248,000	780,868,000	782,544,000	784,280,000	472,407,000	400,994,000	379,909,000	380,838,000	343,340,000	322,779,000	328,328,000	244,397,000	182,716,000	154,350,000	155,250,000	157,288,000	146,124,000	141,415,000	5,510,000	9,922,000
other assets	484,801,000	644,660,000	653,929,000	634,269,000	442,849,000	681,636,000	691,133,000	626,296,000	362,525,000	660,233,000	610,287,000	571,244,000	315,423,000	538,765,000	501,662,000	433,787,000	211,199,000	205,663,000	227,551,000	224,242,000	165,667,000	160,030,000	159,815,000	169,401,000	136,760,000	143,325,000	125,938,000	140,379,000	147,238,000	90,669,000	34,954,000	172,074,000	97,688,000	81,135,000	73,254,000	66,855,000	81,863,000	43,662,000	47,674,000
total assets	28,002,554,000	28,143,473,000	28,085,521,000	27,873,718,000	27,720,258,000	27,373,132,000	27,057,201,000	27,364,888,000	27,297,251,000	26,869,207,000	26,120,197,000	25,871,850,000	24,008,884,000	23,687,855,000	24,213,008,000	24,374,200,000	20,946,771,000	19,481,157,000	18,895,723,000	18,556,908,000	12,809,486,000	12,505,827,000	12,264,255,000	11,915,460,000	11,129,027,000	10,837,410,000	10,731,803,000	10,297,615,000	9,928,473,000	9,413,996,000	6,802,259,000	7,409,669,000	5,265,771,000	4,525,446,000	4,118,188,000		3,142,393,000	3,014,608,000	2,871,843,000
liabilities and shareholders’ equity
liabilities:
deposits:
noninterest-bearing demand	6,252,252,000	6,444,067,000	6,381,975,000	6,257,032,000	6,211,182,000	6,222,518,000	6,291,124,000	6,409,659,000	6,534,307,000	6,782,031,000	6,970,668,000	7,540,265,000	7,643,081,000	8,198,129,000	8,155,494,000	7,946,049,000	6,956,981,000	6,492,519,000	6,260,756,000	6,058,439,000	3,527,815,000	3,313,861,000
interest-bearing deposits	17,546,178,000	17,576,551,000	17,581,037,000	17,505,373,000	17,249,793,000	17,030,584,000	16,690,998,000	16,922,350,000	16,776,304,000	16,075,837,000	15,281,320,000	14,464,409,000	12,233,426,000	12,123,013,000	12,717,589,000	13,110,104,000	11,284,198,000	10,372,898,000	10,067,011,000	9,934,781,000	7,228,702,000
total deposits	23,798,430,000	24,020,618,000	23,963,012,000	23,762,405,000	23,460,975,000	23,253,102,000	22,982,122,000	23,332,009,000	23,310,611,000	22,857,868,000	22,251,988,000	22,004,674,000	19,876,507,000	20,321,142,000	20,873,083,000	21,056,153,000	18,241,179,000	16,865,417,000	16,327,767,000	15,993,220,000	10,756,517,000	10,534,306,000	9,993,440,000	9,807,697,000	9,127,384,000	8,735,735,000	8,752,092,000	8,441,599,000	7,857,494,000	7,905,012,000	5,952,140,000	6,183,215,000	3,780,521,000	3,339,848,000	3,074,193,000		2,386,962,000	2,340,376,000	2,256,236,000
short-term borrowings	85,000,000				195,000,000					37,348,000		7,219,000	158,933,000											50,000,000	16,005,000			35,050,000		18,839,000	52,574,000
long-term debt	120,400,000	155,251,000	155,143,000	254,287,000	254,152,000	316,363,000	324,887,000	324,854,000	324,823,000	324,786,000	324,754,000	324,729,000	324,663,000	324,515,000	324,371,000	324,230,000	247,360,000	247,139,000	261,919,000	311,591,000	240,245,000	257,259,000	325,955,000	120,545,000	135,707,000	175,363,000	175,238,000	174,959,000	164,066,000	165,620,000	124,805,000	150,186,000							44,509,000
accrued expenses and other liabilities	307,041,000			356,130,000	300,170,000	396,987,000	407,559,000	407,915,000	315,481,000	465,381,000	437,864,000	427,105,000	298,564,000	407,488,000	364,266,000	298,802,000	210,842,000	220,178,000	192,662,000	187,558,000	151,055,000	147,315,000	120,295,000	103,857,000	111,881,000	100,346,000	107,367,000	84,759,000	77,121,000	83,862,000	51,210,000	36,368,000	34,480,000	24,481,000	25,251,000	17,222,000	71,473,000	19,595,000	24,825,000
total liabilities	24,363,868,000	24,546,622,000	24,472,597,000	24,372,822,000	24,288,131,000	23,966,452,000	23,714,568,000	24,064,778,000	24,035,726,000	23,685,383,000	23,014,606,000	22,793,727,000	21,308,210,000	21,053,145,000	21,561,720,000	21,679,185,000	18,724,526,000	17,358,799,000	16,809,437,000	16,525,824,000	11,204,061,000	10,997,669,000	10,907,500,000	10,612,126,000	9,908,387,000	9,704,769,000	9,630,260,000	9,218,322,000	8,868,736,000	8,400,859,000	6,220,854,000	6,549,694,000	4,866,885,000	4,194,988,000	3,806,941,000		2,926,963,000	2,805,021,000	2,675,140,000
commitments and contingencies
shareholders' equity:
preferred stock, 1 par value: 10,000,000 shares authorized; 0 and 3,662 series i issued and outstanding; 25,000 per share liquidation preference
common stock	120,598,000	121,553,000	121,431,000	119,514,000	119,364,000	119,283,000	119,175,000	119,137,000	119,010,000	118,976,000	115,266,000	115,152,000	106,223,000	106,163,000	106,034,000	106,025,000	89,350,000	86,559,000	86,665,000	86,777,000	78,974,000	79,035,000	79,123,000	77,580,000	73,403,000	70,981,000		70,861,000	69,863,000	63,186,000	42,424,000	41,555,000	38,408,000	36,621,000	35,707,000	21,806,000			21,806,000
capital surplus	2,754,399,000	2,767,143,000	2,764,617,000	2,711,721,000	2,710,279,000	2,707,266,000	2,705,345,000	2,702,807,000	2,699,112,000	2,697,671,000	2,610,523,000	2,606,403,000	2,306,366,000	2,304,514,000	2,304,608,000	2,302,189,000	1,721,007,000	1,631,709,000	1,636,875,000	1,640,583,000	1,495,267,000	1,494,400,000	1,496,307,000	1,451,814,000	1,341,346,000	1,277,822,000	1,275,954,000	1,274,909,000	1,279,383,000	1,284,877,000	1,057,951,000	1,051,607,000	154,535,000	116,129,000	95,532,000	62,495,000	62,419,000	62,510,000	62,554,000
retained earnings	914,261,000	858,395,000	802,590,000	754,971,000	714,138,000	668,965,000	652,239,000	614,612,000	581,219,000	596,617,000	577,316,000	542,606,000	508,844,000	452,788,000	396,970,000	354,409,000	330,654,000	298,503,000	244,006,000	192,185,000	5,594,000												215,466,000	184,572,000	175,700,000	135,709,000	128,504,000	121,467,000	114,729,000
accumulated other comprehensive loss	-150,572,000	-163,923,000	-177,170,000	-186,559,000	-212,919,000	-189,761,000	-234,537,000	-236,635,000	-239,192,000	-332,505,000	-305,907,000	-294,437,000	-329,488,000	-337,143,000	-264,194,000	-175,341,000						-15,995,000	-46,190,000	-25,241,000	-10,684,000	-11,617,000	-18,959,000	-342,000	-3,995,000	-15,128,000	-23,640,000
total shareholders’ equity	3,638,686,000				3,432,127,000				3,261,525,000				2,700,674,000				2,222,245,000							1,303,334,000							581,405,000	859,975,000
total liabilities and shareholders’ equity	28,002,554,000				27,720,258,000				27,297,251,000				24,008,884,000				20,946,771,000							11,915,460,000							6,802,259,000	7,409,669,000
accrued expense and other liabilities		370,753,000	354,442,000
preferred stock, 1 par value: 10,000,000 shares authorized; 0 and 3,662 shares series i issued and outstanding, respectively; 25,000 per share liquidation preference
common stock issuable: 608,291 and 600,168 shares, respectively		13,683,000
total shareholders' equity		3,596,851,000	3,612,924,000	3,500,896,000		3,406,680,000	3,342,633,000	3,300,110,000		3,183,824,000	3,105,591,000	3,078,123,000		2,634,710,000	2,651,288,000	2,695,015,000		2,122,358,000	2,086,286,000	2,031,084,000	1,605,425,000	1,508,158,000	1,356,755,000		1,220,640,000	1,132,641,000	1,101,543,000	1,079,293,000	1,059,737,000	1,013,137,000
total liabilities and shareholders' equity		28,143,473,000	28,085,521,000	27,873,718,000		27,373,132,000	27,057,201,000	27,364,888,000		26,869,207,000	26,120,197,000	25,871,850,000		23,687,855,000	24,213,008,000	24,374,200,000		19,481,157,000	18,895,723,000	18,556,908,000	12,809,486,000	12,505,827,000	12,264,255,000		11,129,027,000	10,837,410,000	10,731,803,000	10,297,615,000	9,928,473,000	9,413,996,000
federal funds and other short-term investments			13,955,000										135,000,000	45,000,000		1,882,000	27,000,000
preferred stock, 1 par value: 10,000,000 shares authorized; 3,662 shares series i issued and outstanding; 25,000 per share liquidation preference			88,266,000	88,266,000		88,266,000	88,266,000	88,266,000
common stock issuable: 592,256 and 600,168 shares, respectively			13,190,000
common stock issuable: 584,083 and 600,168 shares, respectively				12,983,000
preferred stock, 1 par value: 10,000,000 shares authorized; 3,662 series i issued and outstanding; 25,000 per share liquidation preference					88,266,000
common stock issuable; 600,168 and 620,108 shares, respectively					12,999,000
allowance for credit losses - loans and leases						-205,290,000	-213,022,000	-210,934,000
common stock issuable: 588,296 and 620,108 shares, respectively						12,661,000
common stock issuable: 568,985 and 620,108 shares, respectively							12,145,000
common stock issuable: 560,833 and 620,108 shares, respectively								11,923,000
federal home loan bank advances												30,000,000	550,000,000								40,000,000	40,000,000	434,574,000	504,651,000	494,484,000	669,065,000	569,138,000	449,407,000	735,125,000	200,125,000	40,125,000	40,625,000	785,382,000	535,343,000	470,271,000	492,130,000	332,860,000	335,859,000	278,795,000
preferred stock, 1 par value: 10,000,000 shares authorized; 3,662 and 4,000 shares series i issued and outstanding, respectively; 25,000 per share liquidation preference									88,266,000
common stock issuable; 620,108 and 607,128 shares, respectively									13,110,000
preferred stock, 1 par value: 10,000,000 shares authorized; 3,745 and 4,000 shares series i issued and outstanding, respectively; 25,000 per share liquidation preference										90,283,000
common stock issuable: 608,646 and 607,128 shares, respectively										12,782,000
preferred stock, 1 par value: 10,000,000 shares authorized; 3,989 and 4,000 shares series i issued and outstanding, respectively; 25,000 per share liquidation preference											96,165,000
common stock issuable: 587,775 and 607,128 shares, respectively											12,228,000
preferred stock, 1 par value: 10,000,000 shares authorized; 4,000 shares series i issued and outstanding; 25,000 per share liquidation preference												96,422,000		96,422,000	96,422,000	96,422,000
common stock issuable: 579,835 and 607,128 shares, respectively												11,977,000
loans held for sale at fair value													13,600,000				44,109,000	68,424,000	98,194,000	164,979,000	54,625,000	26,341,000
preferred stock, 1 par value: 10,000,000 shares authorized; series i, 25,000 per share liquidation preference; 4,000 shares issued and outstanding													96,422,000				96,422,000	96,422,000	96,422,000	96,422,000
common stock issuable; 607,128 and 595,705 shares, respectively													12,307,000
common stock issuable: 596,365 and 595,705 shares, respectively														11,966,000
common stock issuable: 578,251 and 595,705 shares, respectively															11,448,000
common stock issuable: 574,139 and 595,705 shares, respectively																11,311,000
common stock issuable; 595,705 and 600,834 shares, respectively																	11,288,000
accumulated other comprehensive income																	-26,476,000		11,668,000	4,632,000	14,263,000											30,333,000	-6,897,000	-954,000	10,239,000	11,275,000	10,376,000	9,715,000	3,795,000
common stock issuable: 588,258 and 600,834 shares, respectively																		11,098,000
accumulated other comprehensive (loss) income																		-1,933,000
common stock issuable: 571,580 and 600,834 shares, respectively																			10,650,000
common stock issuable: 565,904 and 600,834 shares, respectively																				10,485,000
debt securities available for sale																					2,272,046,000	2,454,625,000
debt securities held to maturity																					243,028,000	265,329,000
loans and leases, net of unearned income																					8,903,266,000	8,493,254,000	8,184,249,000
less allowance for loan and lease losses																					-62,514,000	-61,642,000	-61,085,000
common stock issuable; 660,581 and 674,499 shares																					11,327,000
now and interest-bearing demand																						2,205,117,000
money market																						2,106,045,000	2,052,486,000	2,016,748,000	1,934,169,000	1,808,736,000	1,831,145,000	1,798,548,000	1,641,980,000	1,651,592,000	1,149,912,000	989,600,000
savings																						681,739,000	677,020,000	651,742,000	605,230,000	581,706,000	574,805,000	544,029,000	502,134,000	459,323,000	227,308,000	197,927,000	177,051,000	160,550,000	148,260,000		99,244,000	99,417,000	97,860,000
time																						1,668,563,000	1,520,931,000	1,548,460,000	1,363,949,000	1,273,112,000	1,261,232,000	1,349,543,000	1,183,943,000				1,941,496,000	1,764,370,000	1,636,261,000		1,285,358,000	1,262,090,000	1,253,906,000
brokered																						558,981,000	410,747,000	371,011,000	367,256,000	378,663,000	364,056,000	359,370,000	412,267,000	516,748,000	245,033,000	300,964,000
common stock issuable; 621,491 and 674,499 shares																						10,291,000
accumulated deficit																						-59,573,000	-181,877,000	-209,902,000	-192,128,000	-212,607,000	-234,384,000	-273,314,000	-293,424,000	-344,746,000	-709,153,000	-476,230,000
securities available for sale																							2,419,049,000		2,540,470,000	2,474,592,000	2,436,591,000	2,215,113,000	2,335,511,000	2,099,868,000	1,834,593,000	1,816,613,000	928,328,000	739,667,000	617,787,000	559,390,000	487,437,000	452,470,000	466,630,000
securities held to maturity																							312,080,000		306,741,000	312,002,000	329,992,000	344,917,000	341,951,000	357,549,000	244,184,000	371,578,000
liabilities and shareholders' equity
demand																							3,226,111,000	3,087,797,000	2,889,125,000	2,818,668,000	2,752,361,000	2,568,756,000	2,386,857,000	2,174,799,000	1,252,605,000	899,017,000	541,690,000	479,439,000	425,697,000		317,783,000	323,854,000	299,692,000
now																							2,106,145,000	2,131,939,000	1,967,655,000	1,874,850,000	1,968,493,000	1,821,353,000	1,730,313,000	1,754,614,000	1,316,453,000	1,306,109,000
common stock issuable; 612,831 and 607,869 shares																							9,392,000
securities available-for-sale																								2,615,850,000
securities held-to-maturity																								321,094,000
loans, net of unearned income																								7,735,572,000	7,202,937,000	7,040,932,000	6,964,990,000	6,725,110,000	6,286,527,000	6,023,585,000	4,175,008,000	4,163,447,000	3,877,575,000	3,338,309,000	3,147,303,000		2,331,862,000	2,269,973,000	2,153,743,000
less allowance for loan losses																								-58,914,000	-58,605,000	-59,500,000	-60,543,000	-62,961,000	-64,253,000	-69,062,000	-107,137,000	127,638,000
loans																								7,676,658,000	7,144,332,000	6,981,432,000	6,904,447,000	6,662,149,000	6,222,274,000	5,954,523,000	4,067,871,000	4,035,809,000	3,829,122,000	3,295,751,000	3,107,483,000		2,301,562,000	2,240,783,000	2,125,609,000
common stock issuable; 607,869 and 519,874 shares																								9,083,000
mortgage loans held for sale																									30,292,000	25,711,000	16,491,000	30,814,000	30,152,000	23,088,000	28,821,000	19,406,000	34,628,000	18,610,000	14,508,000	24,080,000	24,766,000	8,742,000	10,818,000
common stock issuable; 588,445 and 519,874 shares																									8,703,000
common stock issuable; 550,449 and 519,874 shares																										8,062,000
preferred stock, 1 par value; 10,000,000 shares authorized;
0 shares issued and outstanding
70,972,753 and 70,899,114 shares issued and outstanding																											70,973,000
common stock issuable; 546,511 and 519,874 shares																											7,959,000
preferred stock, 1 par value; 10,000,000 shares authorized; series h; 1,000 stated value; 0 and 9,992 shares issued and outstanding
common stock issuable; 520,014 and 458,953 shares																												7,179,000
repurchase agreements
common stock issuable; 486,753 and 458,953 shares																													6,651,000
short-term investments																															60,000,000
time:
less than 100,000																														865,369,000	1,055,271,000	1,508,444,000
greater than 100,000																														482,567,000	705,558,000	981,154,000
unsettled securities purchases																																35,634,000
preferred stock, 1 par value; 10,000,000 shares authorized; series h; 1,000 stated value; 9,992, 0, and 0 shares issued and outstanding																														9,992,000
common stock issuable; 454,870, 357,983 and 354,961 shares																														6,670,000
assets covered by loss sharing agreements with the fdic																															47,467,000	95,726,000
foreclosed property																															18,264,000	47,584,000
shareholders’ equity:
series a, 10 stated value; 21,700 shares issued and outstanding																															217,000
series b, 1,000 stated value; 180,000 shares issued and outstanding																															178,557,000
series d, 1,000 stated value; 16,613 shares issued and outstanding																															16,613,000
common stock issuable; 133,238 and 93,681 shares																															3,119,000
federal funds sold, commercial paper and short-term investments																																174,996,000
federal funds purchased, repurchase agreements, and other short-term borrowings																																103,666,000
series a; 10 stated value; 21,700 shares issued and outstanding																																217,000
series b; 1,000 stated value; 180,000 shares issued and outstanding																																176,392,000
series d; 1,000 stated value; 16,613 shares issued and outstanding																																16,613,000
common stock issuable; 83,575, 67,287 and 56,954 shares																																3,574,000
less - allowance for loan losses																																	48,453,000		39,820,000		30,300,000	29,190,000	28,134,000
intangible assets																																	120,119,000	87,657,000	71,811,000	12,767,000	12,853,000
liabilities and stockholders’ equity
interest-bearing demand																																	1,120,284,000	935,489,000	863,975,000		684,577,000	655,015,000	604,778,000
federal funds purchased and repurchase agreements																																	153,112,000	181,439,000	128,475,000	20,263,000	80,219,000	48,843,000	70,775,000
other borrowings																																	113,390,000	113,877,000	108,751,000
stockholders’ equity:
preferred stock, 1 par value; 10 stated value; 10,000,000 shares authorized; 44,800, 44,800 and 48,300 shares issued and outstanding																																	448,000
treasury stock																																	-3,074,000	-6,393,000	-6,414,000	-11,432,000	-9,401,000	-7,637,000	-7,907,000
total stockholders’ equity																																	398,886,000	330,458,000	311,247,000
total liabilities and stockholders’ equity																																	5,265,771,000	4,525,446,000	4,118,188,000
less — allowance for loan losses																																		42,558,000
interest receivable																																		23,150,000	22,410,000	20,275,000
preferred stock, 1 par value; 10 stated value; 10,000,000 shares authorized; 48,300, 55,900 and 65,500 shares issued and outstanding																																		483,000
federal funds sold																																					28,344,000	27,635,000	37,706,000
preferred stock, 1 par value; 10 stated value; 10,000,000 shares authorized; 48,300, 55,900 and 127,100 shares issued and outstanding																																			483,000
loans, net of allowance of 30,914 and 27,124																																				2,350,884,000
long-term debt and other borrowings																																				74,911,000	55,449,000	60,348,000
preferred stock, 1 par value; 10 stated value; 10,000,000 shares authorized; issued and outstanding 172,600 shares																																				1,726,000
liabilities and stockholders' equity
stockholders' equity:
preferred stock, 1 par value; 10 stated value;
10,000,000 shares authorized; 172,600 shares issued and outstanding																																					1,726,000
21,805,924, 21,805,924 and 21,089,672 shares issued																																					21,806,000	21,806,000
total stockholders' equity																																					215,430,000	209,587,000	196,703,000
total liabilities and stockholders' equity																																					3,142,393,000	3,014,608,000	2,871,843,000
preferred stock, 1 par value; 10 stated value; 10,000,000
shares authorized; 172,600 shares issued and outstanding																																						1,726,000
stockholders' equity
preferred stock, 1 par value; 10 stated value; 10,000,000 shares authorized;172,600, 172,600 and 287,411 shares issued and outstanding																																							1,726,000

Cashflow Statements:

Quarterly

Annual

Unit: USD	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-03-31	2019-03-31	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2011-06-30	2005-03-31	2004-06-30	2004-03-31	2002-12-31	2002-09-30	2002-06-30	2002-03-31

operating activities:
net income	86,455,000	91,494,000	78,733,000	71,413,000	75,804,000	47,347,000	66,615,000	62,631,000	14,090,000	47,866,000	63,288,000	62,300,000	81,450,000	81,161,000	66,842,000	48,019,000	52,019,000	73,816,000	70,260,000	73,706,000	31,884,000	44,262,000	37,658,000	-11,916,000	27,946,000	28,267,000	23,524,000	27,221,000	25,874,000	25,266,000	22,295,000	18,208,000	17,887,000		13,441,000	21,987,000	10,938,000	8,560,000	8,401,000	8,099,000	7,720,000
adjustments to reconcile net income to net cash from operating activities:
depreciation, amortization and accretion	11,841,000	10,784,000	11,878,000	11,448,000	9,383,000	10,931,000	9,736,000	10,880,000	10,936,000	10,435,000	11,466,000	12,126,000	11,993,000	12,621,000	10,640,000	11,446,000	6,019,000	-5,121,000	-2,280,000	-681,000	1,894,000	6,373,000	10,487,000	7,357,000	7,205,000	6,538,000	6,394,000		8,234,000	7,291,000	7,087,000	5,864,000	5,892,000	4,757,000	4,617,000	7,651,000	3,610,000		1,983,000	1,950,000	1,884,000
provision for credit losses	13,662,000	7,907,000	11,818,000	15,419,000	11,389,000	14,428,000	12,235,000	12,899,000	14,626,000	30,268,000	22,753,000	21,783,000									22,191,000	3,300,000	3,800,000									300,000	700,000
stock-based compensation	3,228,000
deferred income tax expense	8,025,000	-1,430,000	3,382,000	168,000	4,063,000	1,325,000	-2,251,000	4,059,000	-8,256,000	9,046,000	-2,504,000	8,103,000	4,855,000	1,702,000	2,052,000	2,309,000	-503,000	6,669,000	5,449,000	9,172,000	1,292,000	658,000	10,225,000	47,756,000	16,121,000	16,626,000	19,059,000	14,419,000	15,885,000	15,870,000	13,553,000
securities losses									51,689,000	0	0	1,644,000	184,000	0	-46,000	3,734,000						267,000	940,000				2,000
losses from other loan sales
fintrust goodwill write-down					0	0
loss on extinguishment of debt
changes in assets and liabilities:
decrease in other assets
decrease in other liabilities
decrease in loans held for sale
net cash from operating activities	65,472,000	123,095,000	96,836,000	98,632,000	148,092,000	7,741,000	105,092,000	88,809,000	21,775,000	87,175,000	94,928,000	90,093,000	98,905,000	160,992,000	146,934,000	200,476,000	76,408,000	120,454,000	127,794,000	34,664,000	-10,791,000	35,891,000	72,487,000	60,927,000	49,443,000	35,022,000	62,570,000	53,872,000	54,595,000	27,870,000	2,388,000	9,356,000	46,096,000	88,008,000	17,038,000	24,346,000	11,841,000	-345,000	-501,000	9,614,000	21,292,000
capital expenditures	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
free cash flows	65,472,000	123,095,000	96,836,000	98,632,000	148,092,000	7,741,000	105,092,000	88,809,000	21,775,000	87,175,000	94,928,000	90,093,000	98,905,000	160,992,000	146,934,000	200,476,000	76,408,000	120,454,000	127,794,000	34,664,000	-10,791,000	35,891,000	72,487,000	60,927,000	49,443,000	35,022,000	62,570,000	53,872,000	54,595,000	27,870,000	2,388,000	9,356,000	46,096,000	88,008,000	17,038,000	24,346,000	11,841,000	-345,000	-501,000	9,614,000	21,292,000
investing activities:
debt securities held-to-maturity:
proceeds from maturities and calls	37,833,000	33,869,000	33,108,000	30,757,000	35,233,000	32,552,000	33,888,000	27,051,000	29,477,000	36,794,000	32,052,000	31,550,000	64,887,000	49,677,000	72,769,000	17,807,000	16,549,000	16,180,000	10,961,000	24,629,000	9,085,000
debt securities available-for-sale:
proceeds from sales	129,440,000	158,989,000	205,433,000	53,476,000	176,074,000	0	0	647,000	284,990,000	214,573,000	0	380,661,000	36,936,000	0	73,112,000	208,409,000	185,974,000	24,901,000			1,000,000
purchases	-190,804,000	-99,746,000	-133,749,000	-58,856,000		-434,520,000	-332,077,000	-302,962,000					0	0	-110,012,000	-216,482,000	-90,006,000	-247,659,000	-276,199,000	-192,541,000	-15,989,000
net decrease in loans	-224,462,000	-256,202,000			-234,121,000	227,710,000							-455,935,000	-337,725,000			-56,621,000	225,994,000
payments for other investments	-14,639,000	-7,100,000	-10,711,000	-11,236,000	-10,315,000	-4,203,000	-93,476,000	-4,353,000
proceeds from other investments	275,000	443,000	1,165,000	6,076,000	7,641,000	1,861,000	176,000	380,000
net cash received in divestitures and acquisitions
purchases of premises and equipment	-5,759,000	-5,386,000	-12,121,000	-4,313,000	-5,539,000	-9,937,000	-17,858,000	-13,710,000	-13,328,000	-15,348,000	-21,207,000	-22,602,000	-16,404,000	-9,526,000	-9,460,000	-7,314,000	-6,750,000	-5,168,000	-12,075,000	-2,490,000	-2,596,000	-11,686,000	-6,107,000	-7,016,000	-3,480,000	-8,283,000	-3,404,000	-3,659,000	-3,803,000	-4,809,000	-5,104,000	-3,341,000	-2,136,000	-1,373,000	-3,903,000	-8,816,000	-5,218,000		-2,603,000	-3,522,000	-3,958,000
net cash paid for branch disposal
other investing inflows	2,158,000	7,798,000	4,674,000	4,262,000	4,345,000	3,139,000	1,627,000	8,145,000	3,229,000	567,000	2,508,000	338,000	1,370,000				0
other investing outflows																	-400,000
net cash from investing activities	-50,163,000	-19,557,000	159,716,000	-56,579,000	-680,622,000	-63,151,000	-124,756,000	-122,513,000	-160,921,000	161,097,000	-344,760,000	181,295,000	-176,540,000	-309,937,000	-631,339,000	-902,365,000	-249,556,000	-215,765,000	-303,811,000	-1,037,271,000	-84,985,000	112,716,000	37,023,000	-45,308,000	122,422,000	-110,238,000	-12,382,000	-483,265,000	63,007,000	-116,564,000	-195,504,000	-175,701,000	5,518,000
financing activities:
net increase in deposits	-221,371,000	57,575,000	-173,898,000	301,392,000	207,776,000	270,828,000	-350,143,000	21,024,000	452,201,000	-153,594,000	246,872,000	793,162,000	-443,179,000	-552,438,000	-182,352,000	311,040,000	718,504,000	538,156,000	335,161,000	761,630,000	137,783,000
net increase in short-term borrowings
proceeds from federal home loan bank advances
repayment of federal home loan bank advances
redemption/repurchase of preferred stock
repayment of long-term debt	-35,000,000	0			-60,000,000												0	-15,000,000	-50,000,000	-15,632,000		-10,110,000		-35,000,000
repurchase of common stock	-30,327,000	0															0	-10,000,000			-20,782,000	-7,342,000
cash dividends on common stock	-30,841,000	-29,541,000	-29,079,000	-29,057,000	-29,047,000	-27,775,000	-27,761,000	-27,733,000	-27,733,000	-26,859,000	-26,819,000	-23,674,000	-23,627,000	-22,562,000	-22,545,000	-18,149,000	-17,601,000	-16,720,000	-16,741,000	-15,852,000	-14,454,000	-12,876,000	-7,885,000	-7,467,000	-6,490,000	-6,489,000	-5,764,000	-5,764,000	0	-5,044,000	-5,041,000	-4,316,000	-4,314,000		-2,291,000	-3,906,000	-1,797,000		-1,335,000	-1,336,000	-1,076,000
cash dividends on preferred stock	0	-1,573,000	-1,573,000	-1,573,000	-1,574,000	-1,573,000	-1,573,000	-1,573,000	-1,573,000	-1,624,000	-1,719,000	-1,719,000	-1,718,000	-1,719,000	-1,719,000	-1,719,000	-1,719,000	-1,719,000	-1,719,000	-1,719,000								0	0	0	-46,000	-25,000		-5,106,000	-7,000	-9,000	-8,000		-26,000	-26,000	-26,000
other financing inflows	107,000	1,074,000	260,000	705,000	860,000	665,000	117,000	1,211,000	95,000	2,289,000	2,058,000	1,058,000	565,000
other financing outflows	-554,000	-1,057,000	-76,000	-1,681,000	-651,000	-1,002,000	-46,000	-1,167,000	5,025,000	-9,399,000	-286,000	-1,655,000	-506,000
net cash from financing activities	-232,986,000	-65,063,000	-318,308,000	74,786,000	312,364,000	232,586,000	-379,406,000	-8,238,000	383,516,000	-199,503,000	182,887,000	-140,560,000			-206,552,000	290,043,000	673,865,000	493,707,000	261,301,000	728,101,000	101,072,000	-150,377,000	-71,532,000	51,811,000	-158,206,000	77,429,000	-36,563,000	420,582,000	-99,085,000	113,520,000	135,569,000	199,769,000	-49,572,000	-105,885,000	167,677,000	291,825,000	31,998,000			133,975,000	114,220,000
net change in cash and cash equivalents	-217,677,000	38,475,000	-61,756,000	116,839,000	-220,166,000	177,176,000	-399,070,000	-41,942,000	244,370,000	48,769,000	-66,945,000	130,828,000	162,833,000	-731,687,000	-690,957,000	-411,846,000	500,717,000	398,396,000	85,284,000	-274,506,000				67,430,000	13,659,000	2,213,000	13,625,000	-8,811,000	18,517,000	24,826,000	-57,547,000	33,424,000	2,042,000	-254,606,000	-14,661,000	26,786,000	-38,883,000	-39,647,000	-32,188,000	44,460,000	10,693,000
cash and cash equivalents at beginning of year
cash and cash equivalents at end of year
securities gains		-49,000	-286,000	-6,000														0						148,000	-188,000			-60,000	-261,000	-282,000	-379,000	-378,000	-325,000
net losses from sales of other loans
other assets		7,627,000	-10,631,000	19,878,000		-25,726,000	16,933,000	-12,359,000		-13,973,000	-13,265,000	10,303,000		-8,389,000	-11,925,000	18,242,000
accrued expense and other liabilities		3,837,000
loans held for sale		2,341,000	201,000	20,190,000		-485,000	-11,175,000	-5,132,000		-10,006,000	-6,714,000	-4,703,000		16,568,000	34,513,000	85,324,000		29,770,000	66,785,000	-59,546,000	-31,475,000	-7,406,000	8,833,000
net cash received in acquisition		0								150,465,000	0	57,101,000			0	35,243,000
net decrease in short-term borrowings		0	0	-195,000,000						-10,316,000	-7,219,000	-292,732,000
proceeds from fhlb advances		0	0	126,000,000		1,000,000	0	100,000		0	645,000,000	1,580,000,000						5,000,000	0	5,000,000	5,000,000	780,000,000	760,000,000		660,000,000	1,200,000,000	1,510,000,000		2,360,000,000	3,005,000,000	1,715,000,000		435,000,000		423,600,000	675,100,000	531,100,000		73,700,000	134,399,000	48,600,000
repayment of fhlb advances		0	0	-126,000,000		-1,000,000	0	-100,000		0	-675,000,000	-2,195,000,000						-5,000,000	0	-5,000,000	-5,000,000	-900,000,000
redemption of preferred stock
cash and cash equivalents, beginning of period		0	0	519,873,000		0	0	1,003,875,000		0	0	646,853,000		0	0	2,318,510,000
cash and cash equivalents, end of period		38,475,000	-61,756,000	636,712,000		177,176,000	-399,070,000	961,933,000		48,769,000	-66,945,000	777,681,000		-731,687,000	-690,957,000	1,906,664,000
stock based compensation			2,887,000	2,321,000		2,741,000	2,586,000	2,403,000		2,303,000	2,308,000	2,482,000		1,788,000	2,373,000	2,488,000		1,673,000	1,634,000	1,507,000	2,492,000	1,985,000	1,148,000	1,468,000	1,210,000	1,828,000	1,321,000	1,239,000	1,431,000	908,000	918,000	1,060,000	1,165,000
net gains from sales of other loans			-1,995,000	-1,396,000
accrued expenses and other liabilities				-40,803,000		-68,520,000	6,609,000	14,965,000		13,924,000	19,901,000	-22,029,000		42,377,000	40,681,000	9,026,000		14,526,000	-1,581,000	8,652,000	8,456,000	-5,994,000	1,371,000		-1,191,000	-2,076,000	-5,115,000		-5,830,000	6,126,000	-3,049,000		7,188,000	-1,111,000	2,189,000	7,155,000	3,592,000		4,944,000	-3,154,000	3,448,000
net increase in loans				-253,750,000				-67,629,000		-256,759,000	-273,148,000	-345,316,000				-218,706,000				-292,603,000	-110,222,000	-90,380,000	-79,404,000	-52,173,000	58,692,000	-100,079,000	-15,873,000	-204,109,000	-139,624,000	-212,089,000	-101,828,000	-150,264,000	-60,166,000		-144,315,000	-231,444,000	-132,157,000		-63,265,000	-116,937,000	-146,947,000
significant non-cash investing and financing transactions:
commitments to fund other investments
unsettled securities purchases				15,000,000																					8,167,000
gain on extinguishment of debt
increase in other liabilities
proceeds from sales of premises and equipment					525,000	615,000	0	16,000	2,136,000	360,000	0	2,169,000	4,897,000	54,000	1,814,000	2,978,000	1,975,000	1,432,000	553,000	287,000	102,000	105,000	195,000	908,000	2,224,000	0	5,000	39,000	4,051,000	958,000	29,000	3,419,000	1,980,000	427,000	107,000	1,216,000	1,216,000
repurchase of preferred stock
gains from sales of other loans							-1,296,000	-1,537,000		-2,688,000	-2,305,000	-1,916,000		-2,228,000	-3,800,000	-3,198,000		-2,353,000	-4,123,000	-1,030,000	-1,674,000
gains from other loan sales
net cash received in acquisitions
equity investments, outflows										-11,516,000	-48,600,000	-74,323,000	-38,500,000	-6,669,000	-10,462,000	-12,554,000	-2,931,000	-4,232,000	-2,679,000	-5,753,000
equity investments, inflows										1,480,000	28,889,000	93,687,000	14,199,000	1,095,000	150,000	16,091,000	1,474,000	1,981,000	42,000	4,984,000
net cash paid for whole branch disposal
proceeds from sale of other real estate and repossessed assets												98,000		952,000	546,000	680,000
proceeds from sale of other real estate owned and repossessed assets
proceeds from issuance of long-term debt, net of issuance costs
proceeds from issuance of series i preferred stock, net of issuance costs
provision for (release of) credit losses														15,392,000	5,604,000	23,086,000
net cash received in (paid for) acquisition
net cash (used in) provided by financing activities
proceeds from issuance of common stock for dividend reinvestment and employee benefit plans															74,000	72,000	100,000	86,000	72,000	248,000	199,000	186,000	144,000	122,000	112,000	106,000	110,000	96,000	96,000	90,000	84,000	99,000	74,000
proceeds from exercise of stock options															53,000	274,000						197,000													768,000	495,000	479,000		51,000	226,000	160,000
cash paid for shares withheld to cover payroll taxes related to equity instruments															-63,000	-1,475,000
(release of) provision for credit losses																	-647,000	-11,034,000	-13,588,000	-12,281,000				1,200,000	1,000,000	800,000	800,000	0	-300,000	-300,000	-200,000
decrease in other assets and accrued interest receivable
decrease in accrued expenses and other liabilities
debt securities available-for-sale and equity securities with readily determinable fair values:
net cash received in (paid for) acquisitions
proceeds from sale of other real estate owned
proceeds from exercise of options and warrants
other assets and accrued interest receivable																		12,508,000	5,279,000	15,165,000	-45,851,000	-6,206,000	-385,000		4,531,000	-5,209,000	4,784,000		12,631,000	-20,478,000	-34,039,000		4,220,000	-41,189,000	-8,066,000	-8,072,000	-4,230,000		-1,526,000	-1,157,000	777,000
net cash (paid for) received in acquisition
proceeds from sale of other real estate																		362,000	734,000	1,308,000	63,000	974,000	957,000		1,295,000	2,704,000	3,077,000		6,553,000	1,293,000	1,524,000		1,750,000	59,951,000	359,000	1,222,000	911,000		671,000	382,000	989,000
proceeds from issuance of senior debentures, net of issuance costs
cash paid for shares withheld to cover payroll taxes upon vesting of restricted stock units																		-1,096,000	-371,000	-574,000
other investing activities																			337,000	430,000	-1,600,000
cash and cash equivalents, at beginning of period																			0	1,608,619,000
cash and cash equivalents, at end of period																			85,284,000	1,334,113,000
supplemental disclosures of cash flow information:
unsettled government guaranteed loan sales																					485,000	13,934,000	14,240,000		-4,590,000	9,992,000	16,115,000		-259,000	15,840,000	6,774,000		5,007,000
transfers of loans to foreclosed properties																			274,000	1,059,000	127,000	751,000	625,000		683,000	481,000	561,000		2,335,000	2,722,000	1,590,000		1,900,000
debt securities available-for-sale and equity securities:
cash paid for shares withheld to cover payroll taxes upon vesting of restricted stock																					-1,674,000	-549,000	-836,000	-301,000	-609,000	-54,000	-737,000
net change in cash and cash equivalents, including restricted cash																					5,296,000	-1,770,000	37,978,000
cash and cash equivalents, including restricted cash, at beginning of period																					515,206,000	327,265,000	314,275,000
cash and cash equivalents, including restricted cash, at end of period																					520,502,000	325,495,000	352,253,000
unsettled repurchases of common stock																						498,000
net losses on sales and write downs of other real estate owned
debt securities held to maturity:
proceeds from maturities and calls of securities held to maturity																						9,049,000	13,832,000		13,527,000	18,018,000	13,351,000		19,594,000	16,167,000	14,207,000
purchases of securities held to maturity																							-4,781,000		-8,205,000	0	-13,433,000		-19,656,000	0	-1,000,000
debt securities available for sale and equity securities:
proceeds from sales of securities available for sale																						178,604,000	113,961,000		181,119,000	70,453,000	24,197,000		100,867,000	26,992,000	61,305,000		137,702,000		1,307,000	55,939,000	55,939,000		10,189,000	-1,132,000	1,232,000
proceeds from maturities and calls of securities available for sale																						60,779,000	85,331,000		156,763,000	171,742,000	137,312,000		93,114,000	117,057,000	82,029,000		77,862,000		72,413,000	141,286,000	56,459,000		51,147,000	40,243,000	60,202,000
purchases of securities available for sale and equity securities
net cash paid for acquisition																							-56,800,000
proceeds from issuance of subordinated debt, net of issuance costs																							98,188,000
unsettled government guaranteed loan purchases																											14,674,000			-13,058,000	18,068,000
acquisitions:
assets acquired																							480,679,000										1,262,194,000
liabilities assumed																							350,433,000										1,017,932,000
net assets acquired																							130,246,000										244,262,000
common stock issued in acquisitions																							45,746,000
gains from sales of sba/usda loans																						-1,303,000	-1,778,000		-2,806,000
net losses and write downs on sales of other real estate owned																						-45,000	188,000		196,000	98,000	373,000
purchases of securities available for sale																						-34,729,000	-30,161,000		-297,335,000	-264,793,000	-147,614,000		-1,000	-62,133,000	-246,666,000		-164,560,000		-125,344,000	-254,123,000	-59,872,000		-94,674,000	-18,163,000	-36,337,000
net change in deposits																						117,000	186,089,000		72,917,000	-16,134,000	114,828,000		184,722,000	-102,770,000	87,204,000		107,773,000	-385,962,000	100,005,000	306,452,000	216,744,000		46,586,000	84,140,000	139,737,000
net change in short-term borrowings																							-264,923,000		14,864,000	0	-5,000,000		25,000,000	0	-16,640,000		-19,698,000
interest paid																						22,963,000	13,069,000		10,167,000	7,257,000	8,089,000		12,654,000	5,754,000	7,407,000
income taxes paid																						939,000	811,000	809,000	1,054,000	3,971,000	680,000	517,000	794,000	624,000	2,013,000	750,000
investment securities held to maturity:
investment securities available for sale:
purchase of bank owned life insurance																								0	0	0	-10,000,000
repayments of long-term debt																							-12,309,000
repayments of fhlb advances																							-830,000,000		-859,000,000	-1,100,000,000	-1,650,000,000		-2,659,000,000	-2,780,000,000	-1,635,000,000		-620,000,000	360,809,000	-376,100,000	-780,350,000	-696,225,000		-76,699,000	-77,335,000	-60,199,000
unsettled security purchases																							4,790,000				14,000,000
losses on prepayment of borrowings
gains from sales of government guaranteed loans																											-1,959,000	-3,028,000	-2,479,000	-2,801,000	-1,237,000	-1,995,000	-1,646,000
net losses on sales and write downs of other assets
change in assets and liabilities:
increase in other assets and accrued interest receivable
increase in accrued expenses and other liabilities
investment securities held-to-maturity:
investment securities available-for-sale:
proceeds from sales of loans held for investment
net cash received for acquisitions
funds paid to fdic under loss sharing agreements
proceeds from issuance of long-term debt
retirement of preferred stock																												0	0	0	-9,992,000					-76,000	-76,000
cash paid during the period for:
interest																																		10,159,000	26,544,000	33,411,000	18,651,000		20,179,000	19,781,000	19,808,000
mortgage loans held for sale																									-4,581,000	-9,220,000	13,387,000		-520,000	-3,574,000	-2,347,000		1,362,000	14,036,000	2,466,000	-7,854,000	-3,752,000		-16,024,000	2,076,000	5,720,000
net cash received from acquisitions																																				5,439,000
purchase of common stock																													-9,903,000
cash and cash equivalents at beginning of period																									0	0	217,348,000		0	0	240,363,000		0	514,617,000	134,840,000	160,193,000	160,193,000		0	0	123,027,000
cash and cash equivalents at end of period																									13,659,000	2,213,000	230,973,000		18,517,000	24,826,000	182,816,000		2,042,000	260,011,000	120,179,000	186,979,000	121,310,000		-32,188,000	44,460,000	133,720,000
unsettled purchases of common stock
adjustments to reconcile net income to net cash from operating activities: depreciation, amortization and accretion
fixed asset impairment charge
net gains on sales of other assets
net gains on sales and write downs of other real estate owned
increase in mortgage loans held for sale
funds (paid to) collected from fdic under loss sharing agreements																																0	0
proceeds from issuance of common stock, net of offering costs
purchase of treasury stock																																							-1,906,000	0	-2,855,000
repurchase of outstanding warrant at fair value
net gains on sale of other assets																													-339,000				-354,000
net gains and write downs on sales of other real estate owned																													269,000	-114,000	-214,000		-225,000
loss on prepayment of borrowings																																	256,000
net cash received for acquisition																																	-9,097,000
repayments of trust preferred securities																																	-32,523,000
proceeds from issuance of senior debt, net of issuance costs
unsettled purchases of securities available for sale
preferred stock issued in acquisitions
decrease in mortgage loans held for sale
proceeds from loan sales
proceeds from warrant exercise
deferred income tax benefit																																	9,976,000
proceeds from sale of notes
proceeds from issuance of common stock, net of issuance costs
adjustments to reconcile net loss to net cash from operating activities:
proceeds from maturities and calls of securities held to maturity:
income taxes																																		180,000	1,347,000	13,098,000	6,311,000		5,315,000	8,629,000	612,000
common stock issued in acquisition
preferred stock issued in acquisition
provision for loan losses																																		198,600,000	2,400,000	3,600,000	1,800,000		1,800,000	1,800,000	1,500,000
goodwill impairment charges
losses and write downs on sales of other real estate owned
gain from sale of subsidiary
loss on sale of nonperforming assets
proceeds collected from fdic under loss sharing agreements
net cash received from sale of subsidiary
net cash received from sale of nonperforming assets
financing activities, net of effects of business combinations:
settlement of federal home loan bank advances
proceeds from issuance of common and preferred stock, net of offering costs
proceeds from penalty on incomplete private equity transaction
cash dividends on series a preferred stock
cash dividends on series b preferred stock
cash dividends on series d preferred stock
net loss
net change in federal funds purchased, repurchase agreements, and other short-term borrowings
loss on sale of securities available for sale																																				4,000	4,000
gain on sale of other assets																																			-9,000	-125,000	-121,000
net cash used by investing activities																																			-199,376,000	-289,385,000	-82,722,000
net change in federal funds purchased and repurchase agreements																																			22,191,000	137,993,000	25,626,000		31,376,000	-21,932,000	-6,439,000
repayments of other borrowings																																			-489,000	-45,029,000	-45,000,000
investing activities
cash deposits for life insurance contracts																																				-104,000
financing activities
proceeds from other borrowings																																				1,155,000	1,155,000
investing activities, net of effects of purchase acquisitions:
financing activities, net of effects of purchase acquisitions:
gain on sale of securities available for sale
employee stock grant																																							0	0	243,000
net cash (used) provided by investing activities																																									-124,819,000
net change in notes payable and other borrowings																																							-4,899,000	15,839,000	-3,682,000
net cash provided (used) by financing activities

United Community Banks, Inc(NASDAQ:UCBI)

United Community Banks, Inc
(NASDAQ:UCBI)